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Credit and Debt Relief--A One Stop Solution
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for. The interior was sunny and bright, with a newly remodeled kitchen, spacious...
Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will...
Credit Education
Getting Credit Education Having credit education is like knowing how to read. It will be necessary throughout your life. Once you learn it, you will know it forever. Once you establish good skills, they will help you to get ahead throughout...
The Credit Repair Organizations Act (CROA) And You
If you have negative information in your credit file, as
reflected by the Big Three reporting companies, Experian,
Equifax, and TransUnion, proves to be accurate, there is little
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What Does My Credit Score Mean?
Lenders are using credit scores more and more to make decisions about who they will lend to. The main developer of these scores is called Fair, Isaac Co (FICO), thus these scores are often called FICO scores. Scores range from 300-850 with a lower...
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Should I cancel my unused credit cards?
Should I cancel my unused credit cards? This is a question many
people ask themselves and searching for a right answer. If you
are one among them this comprehensive guide will help you how
your unused credit cards can affect your credit scoring and some
tips to be known before you cancel your unused credit cards.
Though having one or more credit cards with you is an easy way
to get some money urgently, remember your unused credit card can
affect your credit scoring. Many people are not aware of this
fact that their unused credit card will adversely affect their
credit score. Closing your unused card will not wipe out your
past credit history with the account but it will help you to
reduce your open credit. But before you cancel your unused
credit cards make sure that you are going to cancel the cards
which you think you don't want anymore. There are several
peoples who used to cancel their credit cards just to increase
there current credit score. But remember that doing so won't
increase your credit score. That is it is not a good idea to
cancel your unused credit cards just as a short term strategy to
increase your credit rating.
Before you take a decision of whether to use your credit card or
to cancel your unused credit card make a thorough study that you
won't need the credit
card at a later stage in your life. That
is, make yourself clear why are trying to get rid of a credit
card. The next step is to check whether there is any balance to
be paid for the credit card you are about to cancel. Don't try
to cancel your credit card while you are paying the balance.
Cancel the credit card after you have completely paid the
balance amounts. Get a copy of your current credit report and
make it clear if your credit card is making any problem to your
credit scoring. If not, then why bothering about canceling your
unused credit card.
There are also several advantages of keeping a credit card with
you. That is keeping a credit card will be an added advantages
when you are applying for a vehicle loan or a mortgage. It is
seen that most money lenders tend to check how much you owe
compared with your maximum available credit. So if you think
that you can use your credit card in some form or other it is
advisable not to cancel your available credit card. Try to
manage your credit card in a good way. After all, by canceling
your available credit card you are closing your door for an
available amount of credit.
About the author:
Jakob Jelling is the founder of Cashbazar.com. Please visit
http://www.cashbazar.com/credit-cards.shtml and learn all about
credit cards.
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| Credit - Wikipedia, the free encyclopedia |
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| News and resource directory about credit unions. |
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| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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